Building an Annual Benefits Education and Outreach Calendar for Your District A district benefits education outreach calendar maps who you’ll reach, what you’ll tell them, and which channel you’ll use, across all twelve months. It replaces the fall...
A self-funded health Plan means your company pays employee medical claims from its own funds instead of paying fixed premiums to a carrier. You take on the claims risk, you buy stop loss insurance to cap it, and you keep what you don’t spend. The trade is...
The Human Advantage in Employee Benefits Support When employees need help with their benefits, it’s rarely a simple question — it’s often a critical moment: a denied claim, an unexpected bill, a delayed authorization, or confusion about network coverage. In these...
And Why Employers Pay More When They Settle for “Good Enough” In most industries, higher quality comes with a higher price tag. Healthcare breaks that rule. When employees receive high-quality care, total plan costs decline. Claims data, utilization patterns, and...
Totem is proud to announce that we have been named one of Inc. Magazine’s Best Places to Work for 2024. Our mission is to be there for everyone, which shines through in our commitment to our very own employees, creating an exceptional workplace through our vibrant...
Totem’s mission is to be there for everyone – which, first and foremost, includes our clients. Sticking true to that motto, we kicked off the summer by attending the Georgia Association of School Personnel Administrators (GASPA) Spring Conference. We joined our...
